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Best and worst travel insurance

Few travel insurers are good enough to be Which? Recommended Providers. To make the grade an insurer must offer good cover on its standard policy and great customer service.

In this article
How do I find the best travel insurance? The best and worst travel insurers How we calculate customer and policy scores

How do I find the best travel insurance?

We've scrutinised around 200 travel insurance policies, combining our analysis with feedback from 4,528 members of the general public. Each policy is rated to produce a Which? policy score as well as a customer score.

To qualify as a Which? Recommended Provider, an insurer must:

  • Be regulated by the Financial Conduct Authority
  • Be available to the general public
  • Have received 30 or more responses in our customer survey
  • Have received an average or above average policy score (see table for current average score) and a customer score of 70% or above

Table last updated in May 2018. Next update in November 2018.

The best and worst travel insurers

Members can log in to see the results of our analysis. If you’re not already a member, you can sign up to a two month trial for Which? Money for just £1 to access this review and enjoy the benefits of a Which? membership.

Best and worst travel insurance
Provider Customer service Value for money Clarity of policy Dealing with queries Customer score Single trip policy score Annual policy score Total
Subscriber only content 4 stars 3 stars 4 stars 4 stars 76% 95% 95% 86%
Subscriber only content 3 stars 3 stars 4 stars 4 stars 73% 96% 96% 85%
Subscriber only content 4 stars 4 stars 4 stars - 82% 83% 83% 83%
Subscriber only content 4 stars 4 stars 4 stars 4 stars 78% 86% 86% 82%
Subscriber only content 4 stars 2 stars 3 stars - 69% 93% 93% 81%
Subscriber only content 3 stars 3 stars 3 stars 4 stars 70% 92% 92% 81%
Subscriber only content 3 stars 4 stars 3 stars - 70% 92% 92% 81%
Subscriber only content 4 stars 4 stars 4 stars 4 stars 73% 87% 87% 80%
Subscriber only content 4 stars 4 stars 4 stars 4 stars 72% 86% 86% 79%
Subscriber only content - 4 stars 4 stars - 84% 73% 73% 79%
Subscriber only content 3 stars 4 stars 4 stars 4 stars 72% 81% 81% 77%
Subscriber only content 4 stars 4 stars 4 stars 4 stars 77% 75% 75% 76%
Subscriber only content 3 stars 3 stars 3 stars 4 stars 71% 81% 81% 76%
Subscriber only content 3 stars 3 stars 3 stars 4 stars 71% 81% 81% 76%
Subscriber only content 3 stars 3 stars 3 stars 3 stars 70% 79% 79% 75%
Subscriber only content 4 stars 4 stars 3 stars 4 stars 66% 83% 83% 75%
Subscriber only content 3 stars 4 stars 4 stars - 69% 79% 79% 74%
Subscriber only content 4 stars 4 stars 4 stars 4 stars 71% 76% 76% 74%
Subscriber only content - 3 stars 3 stars - 68% 80% 80% 74%
Subscriber only content 3 stars 4 stars 4 stars 4 stars 74% 74% 74% 74%
Subscriber only content 3 stars 3 stars 3 stars - 68% 79% 79% 74%
Subscriber only content 3 stars 2 stars 3 stars 3 stars 68% 77% 77% 73%
Subscriber only content 3 stars 4 stars 4 stars - 71% 75%h 75%h 73%
Subscriber only content - 4 stars 4 stars - 75% 71% 71% 73%
Subscriber only content 4 stars 3 stars 3 stars 4 stars 71% 75% 75% 73%
Subscriber only content 3 stars 4 stars 3 stars 3 stars 70% 75% 75% 73%
Subscriber only content 3 stars 3 stars 4 stars 3 stars 73% 73% 73% 73%
Subscriber only content 3 stars 3 stars 3 stars 3 stars 68% 75% 75% 72%
Subscriber only content - 2 stars 3 stars - 70% 71% 71% 71%
Subscriber only content 4 stars 4 stars 4 stars 4 stars 77% 65% 65% 71%
Subscriber only content 3 stars 4 stars 4 stars - 74% 66% 66% 70%
Subscriber only content 4 stars 4 stars 4 stars 4 stars 77% 62% 62% 70%
Subscriber only content - - - - 67% 70% 70% 69%
Subscriber only content 4 stars 4 stars 4 stars 4 stars 76% 62% 62% 69%
Subscriber only content 3 stars 4 stars 4 stars 4 stars 73% 60% 60% 67%
Subscriber only content 3 stars 2 stars 2 stars - 67% 60% 60% 64%
Subscriber only content 3 stars 3 stars 4 stars 3 stars 65% 48% 68% 62%
Average         73% 73% 73% 74%

Table notes:
Customer score data, which is based on a survey of 4,536 members of the general public carried out in February 2018, is worked out using a combination of overall satisfaction and likelihood of recommending the provider. Providers must receive a minimum sample size of 30 for inclusion. Where '-' is shown we do not have sufficient sample size generate a star rating. Policy scores are based on the provider's standard policy. Annual and Single-trip policy score is our assessment of the quality, comparing 22 categories from each policy to create an overall score. Total score is made up of 50% of the Customer score and 25% each of Annual and Single-trip policy scores.

How we calculate customer and policy scores

We calculated the customer scores using a combination of overall customer satisfaction and the likelihood of recommending the provider to a friend.

We calculated the policy scores by rating the most important elements of the policy, including medical expenses cover limit, cancellation/curtailment limit, travel delay limit, baggage and belongings limit and money limit.

The total score combines both the customer score and policy score.